Experts in low doc & builder loans

Chocolate Money is the chosen provider of finance and loans to the building industry since 2003.  Please note the loans & rates were correct at the time of publishing.

 If you are self-employed, a freelancer, contract worker, tradie, builder or undertake seasonal work, you may not have all the documentation usually required for a mortgage. 

Chocolate Money has access to low interest rate with a range of flexible home loan features.

• Loans up to 85% of property value
• Irregular income acceptable
• Alternative verification options
• Owner-occupier and investor borrowers OK
• Start-up or established business considered

• Residual Stock (individual values – not in one line)
• Non-Resident borrowers
• $10M+ transactions
• Unfinished Development Projects
• Unlimited cash out
• Specialised security including Vacant Land
• Bridging finance
• Mortgage arrears
• Bankruptcies
• Liquidation
• Unpaid credit impairments
• ATO/Tax debts

•  Short term loan solutions:
• min $100k & $5m max
• LVR 65%
• major metro & regional locations
• unlimited cash-out
• 6 month min term / 12 month max
• minor credit impairment considered
• company borrowers only

Our Senior Lending team understands complex financial structures involving the distribution of income and maximising peoples' borrowing potential whilst working within their tax minimisation strategies; this is why Professionals come to us for their lending requirements. 

Our skills are tailored for:

• Doctors, surgeons, dentists & other medical professionals
• Lawyers & Judges
• Builder loans
• Property Development Finance